Liuzhou introduced new policies to promote the stable and healthy development of the property market.
In order to actively respond to the difficulties and impacts caused by the COVID-19 epidemic on the real estate market, further implement the central government's policy tone of "housing without speculation", conscientiously implement the overall requirements of "stabilizing land prices, housing prices and expectations" in real estate, and further promote the stable and healthy development of the real estate market in accordance with the basic principle of "making policies according to the city" and combining with the actual situation in Liuzhou. With the consent of the Liuzhou Municipal People's Government, on March 27th, The Municipal Housing and Construction Bureau, the Municipal Natural Resources and Planning Bureau and the Municipal Provident Fund Center jointly issued the Notice on Several Measures to Further Promote the Stable and Healthy Development of Liuzhou's Real Estate Market, and made corresponding adjustments to the image requirements of the pre-sale permit, the supervision and use conditions of pre-sale funds, the use of individual housing provident fund, the housing credit policy and the restrictions on real estate transfer, as follows-
-continue to strengthen the regulation and management of housing prices. Strengthen the supervision of the sales price of newly-built commercial housing, and require enterprises to accurately price and truthfully quote the commercial housing projects declared for sale for the first time according to the land cost, engineering cost and management expenses, and reasonable profits; In principle, the newly-built commercial housing projects in the same period that apply for sales again should rise or fall reasonably on the basis of the transaction price of similar commercial housing that has been sold in the previous period, so as to prevent sharp fluctuations in house prices.
Second, go through the relevant examination and approval procedures. Real estate development enterprises can purchase land only after signing the land transfer contract and paying not less than 50% of the land transfer fee, and then they can examine and approve the relevant program design, construction permit and other development and construction application procedures, and go through the above procedures before handling the pre-sale permit of commercial housing.
Third, adjust the image requirements of the pre-sale permit. When a new commercial housing development project applies for pre-sale permit, after the application materials are complete and comply with the relevant laws and regulations, the development and construction investment will reach more than 25% of the total investment of the project, and the image progress of the construction project applying for pre-sale will reach 0 on the ground.
Fourth, improve the supervision and use conditions of pre-sale funds. After the newly-built commercial housing development project is completed and accepted by the five parties, if the fund supervision is implemented according to the original pre-sale fund supervision policy, it can apply for using 40%-60% of the balance of the fund supervision account (depending on the relevant business conditions, complaints and credit rating of the enterprise), and all the relevant funds need to be transferred to the special account for related project construction and the corresponding wage payment for migrant workers.
Five, accelerate the use of individual housing provident fund. City Housing Provident Fund Management Center introduced a guarantee company as a phased guarantor. After obtaining the pre-sale permit for new commercial housing development projects, it accepted the loan application and started lending. The upper limit of the maximum loan amount for individual housing provident fund loans is adjusted to 400,000 yuan, and the down payment ratio for first-time housing (including first-hand housing and second-hand housing) is adjusted to not less than 20%, and the down payment ratio for second-time housing after the first set of provident fund loans is settled is adjusted to not less than 30%.
Six, the implementation of differentiated housing credit policy. Implement differentiated housing credit policies. The minimum down payment ratio for households to purchase ordinary housing for the first time is 20%, and the minimum down payment ratio for households with 1 apartment (excluding non-purchase methods such as inheritance, gift and self-construction) is 30% regardless of whether they have housing loan records and whether they have settled loans. The transaction registration department should speed up the optimization and approval of mortgage procedures that meet the loan conditions, and shall not increase the approval conditions by itself.
Seven, cancel the restrictions on the transfer of personal real estate. Encourage and support residents' families or individuals to carry out improved housing demand, and cancel the restriction that commercial housing purchased by residents' families or individuals can be transferred after obtaining the property right certificate for two years.
Eight, clear the time limit for the epidemic caused by force majeure. If the newly-built commercial residential development project cannot be started or completed on schedule due to epidemic situation and other reasons, the start or completion time can be postponed for three months according to the time limit agreed in the construction contract.
Nine, the measures shall be implemented as of the date of issuance. These Measures shall be implemented as of the date of issuance, and shall be applicable to the urban areas of our city (Chengzhong District, Yufeng District, Liunan District, Liubei District, Liu Dong New District, Northern Ecological New District, Liujiang District), and counties may refer to the implementation.
Where the original control policies are inconsistent with these measures, these measures shall prevail. In case of relevant policy adjustment or major changes in the real estate market during the period, which makes it impossible to implement or really need to be revised, it will be notified separately.
Down payment adjustment
According to the New Deal, the down payment ratio in Liuzhou is lowered, with 20% for the first set and 30% for the second set.
According to the previous policy, if a household purchases a commodity house (including a hardcover house) with a filing price of 1 10,000 yuan/square meter or above for the first time in the urban area, the down payment ratio shall not be less than 25% of the total purchase price.
If a resident family owns 1 set in the urban area (excluding non-purchase methods such as inheritance, donation and self-construction) or has already purchased commercial housing, if it purchases commercial housing (including hardcover housing) with a record price of 1 10,000 yuan/m2 or above again, the down payment ratio shall not be less than 35% of the total purchase price.
If a resident family owns or has purchased two or more sets of commercial housing in the urban area (excluding inheritance, gift, self-construction and other non-purchase channels) and purchases commercial housing (including hardcover housing) again, the down payment ratio shall not be less than 100% of the total purchase price.
The adjustment of the second-hand housing sales policy has abolished the restriction that commercial houses purchased by households or individuals need to obtain immovable property certificates for two years before they can be transferred. Previously, the policy was that families or individuals purchased second or more houses in Liuzhou city, and the purchased and newly purchased houses must obtain the real estate registration certificate for two years before they can be transferred.
According to the reporter's understanding, the previous house price was 25% for the first set, 35% for the second set and three sets for the full amount. Now it is adjusted to the first set of 20%, the second set of 30%, and the third set is decided by the bank whether to lend.
Source: Liuzhou Publishing